The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$84,458
−HK$5,296/mo
▼ 0.25% · 3.875%
HK$87,085
−HK$2,669/mo
Today · 4.125%
HK$89,754
baseline
▲ 0.50% · 4.625%
HK$95,215
+HK$5,461/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$179,508/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,958
−HK$5,077/mo
▼ 0.25% · 3.875%
HK$96,478
−HK$2,557/mo
Today · 4.125%
HK$99,035
baseline
▲ 0.50% · 4.625%
HK$104,255
+HK$5,220/mo
Deposit HK$18.52M · loan HK$18.52M · min. income ≈ HK$198,070/mo (50% DSR)
Upfront cash ≈ HK$20.09M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,349
−HK$6,356/mo
▼ 0.25% · 3.875%
HK$104,502
−HK$3,203/mo
Today · 4.125%
HK$107,705
baseline
▲ 0.50% · 4.625%
HK$114,258
+HK$6,553/mo
Deposit HK$14.82M · loan HK$22.22M · min. income ≈ HK$215,410/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$112,750
−HK$6,092/mo
▼ 0.25% · 3.875%
HK$115,774
−HK$3,068/mo
Today · 4.125%
HK$118,842
baseline
▲ 0.50% · 4.625%
HK$125,106
+HK$6,264/mo
Deposit HK$14.82M · loan HK$22.22M · min. income ≈ HK$237,684/mo (50% DSR)
Upfront cash ≈ HK$16.39M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$118,241
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$121,919
−HK$3,737/mo
Today · 4.125%
HK$125,656
baseline
▲ 0.50% · 4.625%
HK$133,301
+HK$7,645/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$251,312/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$131,542
−HK$7,107/mo
▼ 0.25% · 3.875%
HK$135,070
−HK$3,579/mo
Today · 4.125%
HK$138,649
baseline
▲ 0.50% · 4.625%
HK$145,957
+HK$7,308/mo
Deposit HK$11.11M · loan HK$25.93M · min. income ≈ HK$277,298/mo (50% DSR)
Upfront cash ≈ HK$12.69M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$152,024
−HK$9,533/mo
▼ 0.25% · 3.875%
HK$156,753
−HK$4,804/mo
Today · 4.125%
HK$161,557
baseline
▲ 0.50% · 4.625%
HK$171,388
+HK$9,831/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$323,114/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$169,125
−HK$9,138/mo
▼ 0.25% · 3.875%
HK$173,661
−HK$4,602/mo
Today · 4.125%
HK$178,263
baseline
▲ 0.50% · 4.625%
HK$187,659
+HK$9,396/mo
Deposit HK$3.70M · loan HK$33.33M · min. income ≈ HK$356,526/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$1,574,146 · Scale 2, in force from 26 Feb 2026)